inani lamanje: incazelo, ifomula, izibonelo, nokunye

El inani lamanje inani inani lemali esizoba nayo esikhathini esizayo kodwa ebalwa ngevelu yamanje. Kulesi sihloko sizochaza ngokuningiliziwe ukuthi le fomula iqukethe ini.

inani lamanje-1

Inani lamanje alisebenzi ezinkampanini kuphela, libhekwa njengelisetshenziswa uma umuntu efisa ukuthatha umhlalaphansi noma ukuthatha umhlalaphansi.

Inani lamanje

Ibizwa ngokuthi i-VP ifomula esetshenziswayo ukuze kwaziwe inani inani lemali esingalithola esikhathini esizayo elinalo namuhla. Ngamanye amazwi, inani lamanje lisungula inani lemali esizoba nayo esikhathini esizayo ngokusekelwe enanini lesamba esifanayo esikhathini samanje.

Kuyinqubo eyenziwa ngefomula futhi izici ezimbili ziyadingeka ukuze kufinyelelwe umphumela: Isilinganiso sokugeleza kwemali esizoyikhokha esikhathini esizayo kanye nenani elinquma ukuthi kuhlakazwa kanjani lokho kugeleza; Le fomula ibe isifuna ukukhombisa ukuthi kungcono ukuba nenani lemali namuhla kunokulindela nokuyithola esikhathini esizayo.

Kunengqondo-ke ukuthi ngale mali esinayo njengamanje singakwazi ukwenza ama-investment, sithenge amasheya noma sithole izimpahla. Ngakho-ke uma ungenalo uhlelo lokutshala imali, imali isetshenzisiwe futhi ngeke ibe nenani elifanayo esikhathini esizayo, ngakho-ke vele uyilondoloze futhi ungayisebenzisi.

Yingakho abantu abaningi bengafuni ukuthola lezo zimali esikhathini esizayo ngoba ngeke zibe nenani elifanayo. Kodwa futhi amathuba okuwenza angeke afane esikhathini esizayo, ngakho-ke kuhle ukwazi ngokujulile ukuthi le fomula isetshenziswa kanjani njengesu lokukhulisa imali ngendlela ezinzile.

inani lamanje-2

Le fomula ngokuvamile isetshenziselwa ukuthola izimpendulo mayelana nokuthi kulungile yini ukutshala imali kuphrojekthi ethile futhi ngaleyo ndlela ibaluleke impahla yenkampani.

Kwezinye izimo kubalulekile ukubala inani lempesheni ezotholwa esikhathini esizayo, okungukuthi, ezinye izinkampani zinikeza amanani ngokushesha kubasebenzi bazo ukuze zigweme ukukhokhelwa kamuva. Ngaleso sikhathi isisebenzi sasikwazi ukuhlola ukuthi siyakwamukela noma cha.

Kule ndatshana, Ungabala kanjani inani lenkampani? Kungase futhi kubhekwe njengesu lokwazisa impahla nokugeleza esikhathini esizayo.

Ibalwa kanjani?

Ukuze uthole indlela yokuthola inani lamanje kusetshenziswa ifomula elandelayo: PV= Fn/(1+r)n, Lapho i-PV iyinani lesikhathi esizayo, ngenani leminyaka ngokuzayo, izinga lesaphulelo Bese ifomula isebenza kanje, uma sithola inani imali esikhathini esizayo kufanele isetshenziswe isilinganiso sesaphulelo "r" ukuze sibonise izindleko zethuba. Kodwa ake sibone kangcono ngesibonelo.

Sifuna ukwazisa iphrojekthi lapho sifuna ukwehlisa ukugeleza esizokuthola ngesilinganiso esithile esimaphakathi. Uma i-VP ingaphezu kuka-0, ukutshalwa kwezimali kuyasebenza, ake sibone:

U-Andrés ucela umngane wakhe uFelipe ukuthi aqashe indlu yakhe izinyanga ezingu-4 ngenkokhelo yanyanga zonke yama-dollar angu-6.000, inkokhelo yokuqala kufanele yenziwe namuhla, ngemva kwalokho uzothenga indlu ngama-dollar angu-50.000. Izindleko zamathuba ngu-5% ngenyanga, ngakho umbuzo uthi liyini inani lamanje lephrojekthi?

Sibala i-PV: PV= 6.000 + 6.000/(1+5%) + 6.000/(1+5%)2 + 6.000/(1+5%)3 + 50.000/(1+5%)4 , PV= 230.760,19 .XNUMX amadola yenani elilinganiselwe, okubonisa ukuthi kuhle kakhulu ukuthengisa indlu ngalezi zimo. Leli nani lamanje lingasetshenziselwa imisebenzi eminingi yokutshala izimali, kubalulekile ukucabangela amanani aboniswe ngenhla.

Kunoma yimuphi usomabhizinisi ofisa ukuthola isampula yemiphumela yokutshalwa kwezimali esikhathini esizayo, kubalulekile ukucabangela lezi zinhlobo zamasu lapho anganikeza khona amathrendi ukuze azi ukuthi uzotshala kuphi imali yakhe okwamanje. Ngokunjalo, ukucatshangelwa kunqunyelwe izinhlangano zanoma yiluphi uhlobo.


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